Bedford Loan & Deposit Bank in Bedford, Kentucky (KY)
Overview, Financial Summary, Detailed Financial Reports, Branches


  • Bedford Loan & Deposit Bank in Bedford, Kentucky (KY)
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Bedford Loan & Deposit Bank routing number info

Bedford Loan & Deposit Bank - Overview

  • General
  • FDIC Certificate #: 11355
    Status: Active
    Federal Reserve ID: 696047
    Bank Holding Company (Regulatory Top Holder): Bedford Loan And Deposit Bancorp, Inc. (RSSDID: 2513214, Location: Bedford, KY)
    Date Established: November 02, 1891
    WWW: http://www.bedfordbank.com
    Trust Powers Granted: No
    Bank Charter Class: Commercial bank, state charter and Fed nonmember, supervised by the FDIC
    Offices: 3 (Domestic: 3, Interstate: No)
    OTS Docket #: 11482
    FDIC's unique #: 7255
    Numeric code: 21
    Regulator: FDIC
    Insurance Fund Membership: Deposit Insurance Fund (DIF)
    Insured commercial Banks: Yes
    FDIC Insured: Yes
    Deposit Insurance Fund member: Yes
    Ownership Type: Non-Stock
    FFIEC Call Report 31 Filer: No
    State Chartered: Yes
    Subchapter S Corporations: No
    Asset Concentration Hierarchy: Mortgage Lending Specialization
    Date of Deposit Insurance: January 01, 1934
    Last Structure Change Effective Date: March 31, 2006
    Last Structure Change Process Date: November 03, 2006
    Last Data Update: November 03, 2006
    Data Source Date: April 05, 2012
  • Location
  • Address: 45 Highway 42 East, Bedford, KY 40006
    County: Trimble
    Quarterly Banking Profile Region: Chicago
    FDIC Geographic Region: Chicago
    FDIC Supervisory Region: Chicago
    FDIC Field Office: Elizabethtown
    Office of the Comptroller the Currency (OCC) District: Central
    Office of Thrift Supervision Region: Southeast
    Combined Statistical Area (CSA): Louisville-Jefferson County-Elizabethtown-Scottsburg, KY-IN (#350)
    Core Based Statistical Area (CBSA): Louisville-Jefferson County, KY-IN (#31140)
    CBSA Metro Statistical Area: Louisville-Jefferson County, KY-IN (#31140)
  • History of Changes
  • Merge BIF and SAIF Funds into DIF
  • Financial Summary
  • Total assets: $83.7 mil
    Equity capital: $11.0 mil
    Deposits held in domestic offices: $69.5 mil
    Return on assets (ROA): 0.82% ($0.7 mil)
    Quarterly return on assets: 0.83% ($0.7 mil)
    Return on Equity (ROE): 6.32% ($0.7 mil)
    Quarterly return on equity: 6.24% ($0.7 mil)
    Net income: $0.7 mil
    Quarterly Net income: $0.2 mil
    Pretax return on assets: 0.97% ($811.5 mil)
    Quarterly Pretax return on assets: 0.89% ($744.5 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)

  • Dollar figures in thousands
  • 30Total employees (full-time equivalent)
  • $83,657Total assets
  • $2,388Cash and due from depository institutions
  • $66Interest-bearing balances
  • $21,728Securities
  • $3,260Federal funds sold & reverse repurchase agreements
  • $51,570Net loans & leases
  • $800Loan loss allowance
  • $0Trading account assets
  • $2,237Bank premises and fixed assets
  • $540Other real estate owned
  • $0Goodwill and other intangibles
  • $83,657Life insurance assets
  • $1,934All other assets
  • $72,649Total liabilities and capital
  • $69,499Total liabilities
  • $58,702Total deposits
  • $69,499Interest-bearing deposits
  • $95Deposits held in domestic offices
  • 0.00%% insured (estimated)
  • $0Federal funds purchased & repurchase agreements
  • $2,926Trading liabilities
  • $0Other borrowed funds
  • $224Subordinated debt
  • $11,008All other liabilities
  • $11,008Total equity capital
  • $11,008Total bank equity capital
  • $0Perpetual preferred stock
  • $60Common stock
  • $690Surplus
  • $10,258Undivided profits
  • Memoranda
  • $0Noncurrent loans and leases
  • $0Noncurrent loans that are wholly or partially guaranteed by the U.S. government
  • $1,846Income earned, not collected on loans
  • $259Earning assets
  • $448Long-term assets (5+ years)
  • $76,624Average Assets, year-to-date
  • $39,978Average Assets, quarterly
  • $83,418Volatile liabilities
  • $83,527Insider loans
  • $47,797FHLB advances
  • $83,687Loans and leases held for sale
  • $936Unused loan commitments
  • $936Tier 1 (core) risk-based capital
  • $10,434Tier 2 risk-based capital
  • $0Total risk weighted assets
  • $0Total unused commitments
  • $3,056Restructured Loans and leases
  • $112Derivatives

Income and Expense (December 31, 2011)

  • Dollar figures in thousands
  • $4,157Total interest income
  • $967Total interest expense
  • $3,190Net interest income
  • $152Provision for loan and lease losses
  • $843Total noninterest income
  • $0Fiduciary activities
  • $606Service charges on deposit accounts
  • $0Trading account gains & fees
  • $237Additional noninterest income
  • $3,070Total noninterest expense
  • $1,525Salaries and employee benefits
  • $377Premises and equipment expense
  • $1,168Additional noninterest expense
  • $811Pre-tax net operating income
  • $0Securities gains (losses)
  • $131Applicable income taxes
  • $680Income before extraordinary items
  • $0Extraordinary gains - net
  • $680Net income attributable to bank
  • $0Net charge-offs
  • $680Cash dividends
  • $249Sale, conversion, retirement of capital stock, net
  • $403Net operating income

Performance and Condition Ratios (December 31, 2011)

  • Dollar figures in thousands
  • Performance Ratios (%, annualized)
  • 5.46%Yield on earning assets
  • 1.27%Cost of funding earning assets
  • 4.19%Net interest margin
  • 1.11%Noninterest income to earning assets
  • 4.03%Noninterest expense to earning assets
  • 0.82%Net operating income to assets
  • 0.82%Return on assets (ROA)
  • 0.97%Pretax return on assets
  • 6.32%Return on equity (ROE)
  • 2.57%Retained earnings to average equity (YTD only)
  • 0.46%Net charge-offs to loans
  • 61.04%Credit loss provision to net charge-offs
  • 3.87%Efficiency ratio
  • 76,122Assets per employee
  • 2.79%Cash dividends to net income (YTD only)
  • Condition Ratios (%)
  • 59.26%Loss allowance to loans
  • 1.53%Loss allowance to noncurrent loans
  • 43.34%Noncurrent assets plus other real estate owned to assets
  • 2.85%Noncurrent loans to loans
  • 3.52%Net loans and leases to deposits
  • 74.20%Net loans and leases to core deposits
  • 79.27%Equity capital to assets
  • 13.16%Core capital (leverage) ratio
  • 12.47%Tier 1 risk-based capital ratio
  • 21.83%Total risk-based capital ratio
  • Memoranda
  • $23Average assets
  • $83,418Average earning assets
  • $10,758Average equity
  • $76,162Average loans

List of branches

  • 3 Kentucky Branches as of April 05, 2012
    • NoIDNameAddressEstablishedService TypeMap
    07255Bedford Loan & Deposit Bank45 Highway 42 East, Bedford, KY 40006November 02, 1891Full Service Brick and Mortar
    2364082Oldham County Branch1010 New Moody Lane, Lagrange, KY 40031June 17, 2002Full Service Brick and Mortar
    3450927Pendleton Branch973 Pendleton Road, Pendleton, KY 40055May 01, 2006Full Service Brick and Mortar

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